health insurance
Health insurance in the Netherlands is mandatory for all residents and you must register with an insurance plan within four months of arrival in the country. If you qualify, you can sign up for public health insurance. The cost of public health insurance in the Netherlands is deducted from your salary and consists of two ways:
- Zvw (zorgverzekeringswet), a basic package that covers most public health costs;
- Wlz (wet langdurige zorg), which covers long-term nursing and care treatment
If you do not have general insurance in the Netherlands, you will need to take out private health insurance. Additionally, people who are generally covered for treatments not covered by general insurance can also get private insurance, such as:
- Dental treatment for adults
- natural therapy
- Specialized treatments not covered by general insurance
Due to the nature of the Dutch healthcare system, you have many options when it comes to choosing a health insurance company in the Netherlands. Dutch health insurance companies include:
- FBTO
- ONVZ
- Zelverine Cruise
In addition, there are many international private health insurance companies operating in the Netherlands. These offers are specially designed for expats and include:
- Allianz Care
- BUPA Global
- Cigna Global
Car insurance
In the Netherlands, insurance policies cover the car, not the driver. Therefore, anyone with a valid driver's license can legally drive their car. However, the person listed on the insurance is still legally liable for any damages. By law, you must have at least third party insurance (WA-verzekering) for your vehicle. This covers you against any damage or injury to others caused by your vehicle.
If you want to increase the level of insurance for your vehicle, you can choose a Limited Extension (WA Plus). This will cover your vehicle against damage from theft, vandalism, fire, storms, or collisions with animals. For comprehensive coverage, there is an allriskverzekering that covers all damages. Most importantly, this includes damages that were your fault.
As in European countries, insurance costs will be cheaper if you are considered a less risky driver. This will depend on factors such as driving history, age, and experience. If you qualify for a no-claims discount, you can save up to 70% on insurance costs, although this can vary between insurance companies. Dutch car insurance companies include:
If you want to increase the level of insurance for your vehicle, you can choose a Limited Extension (WA Plus). This will cover your vehicle against damage from theft, vandalism, fire, storms, or collisions with animals. For comprehensive coverage, there is an allriskverzekering that covers all damages. Most importantly, this includes damages that were your fault.
As in European countries, insurance costs will be cheaper if you are considered a less risky driver. This will depend on factors such as driving history, age, and experience. If you qualify for a no-claims discount, you can save up to 70% on insurance costs, although this can vary between insurance companies. Dutch car insurance companies include:
- FBTO
- Central bahir
- Rial
If you move to the Netherlands from another country in the European Union, you can use a valid insurance policy. However, this is only if the coverage provided is equivalent to the Dutch insurance coverage and is allowed by the foreign insurance company.
Social Security
If you work in the Netherlands, you are obliged to pay social security payments. This is divided into two areas. The first is the National Insurance (volksverzekeringen) which covers:
- Pensions
- Benefits for babies
- Survivor benefits
- Long term care
The second is the employee insurance (werknemersverzekeringen) which covers:
- Unemployed benefits
- Sick leave
- Disability benefits
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